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One-quarter of people with healthcare coverage are paying so much for deductibles and out-of-pocket expenses that they are considered underinsured, according to a new study.

An estimated 31 million insured people are not adequately protected against high medical costs, a figure that has doubled since 2003, according to the 2014 national health insurance survey by the Commonwealth Fund.

Rising deductibles — even under ObamaCare — are the biggest problem for most people who are considered underinsured, according to the 22-page report.

“The steady growth in the proliferation and size of deductibles threatens to increase underinsurance in the years ahead,” the report warns.

The data is an early warning sign for the Obama administration, which has promised that the millions of people who gained insurance under the president’s law would have affordable access to healthcare.

The survey found that millions of people are paying into the insurance system but are largely unable to reap the benefits.